4980 Spiral Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4980 Spiral Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,911 sqft · built 2013
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Apr 2018)
Tax Bill	$3,306 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`90604`

Property Details

APN / Parcel Number

Primary APN	`90604`
Alternative APN	`082531515100010050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,911 sqft Heated Area
Gross Area	2,568 sqft
1st Floor Area	1,911 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	657 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	90604
Street Address	4980 SPIRAL WAY
City	SAINT CLOUD
State	FL
Zip	34771-7905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OARM
Legal Description	SUNNY LAKE ESTATES PB4 PG 101 LOT 5
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	SUNNY LAKE ESTATES
Legal Tract	5151
Legal Block	1
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4980 SPIRAL WAY, SAINT CLOUD, FL 34771-7905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2019	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage FINANCEMYHOME.COM
Apr 16, 2018	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2018 · Amount on Record
Deed Sale	Apr 16, 2018 · Amount on Record
Prior Sale	Nov 4, 2015 · Amount on Record
Deed Document Number	2018059382
Deed Book / Page	5317 / 0934
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4980 SPIRAL WAY, SAINT CLOUD, FL 34771-7905
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054731101
Date	Feb 6, 2019
Book Page	5473/1101
Instrument	2019015609

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Index	5-Year TN

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4980 SPIRAL WAY, SAINT CLOUD, FL 34771-7905
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058332274
Date	Nov 16, 2020
Book Page	5833/2274
Instrument	2020156662

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Apr 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4980 SPIRAL WAY, SAINT CLOUD, FL 34771-7905
Document Number	0056841205
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4980 SPIRAL WAY ST CLOUD FL 347717905, ST CLOUD, FL 34771-7905

Mortgage

Document Number	0056841205
Date	Mar 3, 2020
Book Page	005684/001205
Instrument	30420

Lender

Name	FINANCEMYHOME.COM
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2018
Property Address	4980 SPIRAL WAY, SAINT CLOUD, FL 34771-7905
Document Number	0053170934
Book / Page	5317 / 0934
Map Reference	MB4 PG101
Instrument Date	Apr 11, 2018
Instrument	2018059382
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	TITLECORP OF AMERICA LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4980 SPIRAL WAY, 4980, SAINT CLOUD, FL 34771-7905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 AUTUMN CT, SAINT CLOUD, FL 34771-9635

Mortgage

Document Number	2018059384
Date	Apr 16, 2018
Instrument	2018059384

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,306.00 (+7.83%) Homeowner's exemption	$228,098 (+5.99%)	$301,800 (+8.99%) Land $95,000 Building $206,800
2023	$3,066.00 (+4.46%) Homeowner's exemption	$215,214 (+3%)	$276,900 (+13.72%) Land $70,000 Building $206,900
2022	$2,935.00 Homeowner's exemption	$208,946	$243,500 Land $46,000 Building $197,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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